Reverse Mortgage sebagai Solusi Masalah Keuangan Lansia di Indonesia Refleksi dari Negara Lain
DOI:
https://doi.org/10.31092/jaa.v4i2.3142Abstract
Kemiskinan di kalangan lansia Indonesia menjadi tantangan serius, meskipun sebagian besar memiliki rumah sebagai aset utama. Reverse Mortgage, yang memungkinkan lansia mengonversi ekuitas rumah menjadi pendapatan tanpa kehilangan tempat tinggal, berpotensi menjadi solusi. Penelitian ini menggunakan metode scoping review untuk menganalisis praktik dan tantangan penerapan Reverse Mortgage di Amerika Serikat, China, Inggris, India, dan Korea Selatan. Hasil menunjukkan bahwa dukungan pemerintah, regulasi kuat, dan edukasi publik menjadi kunci keberhasilan. Bagi Indonesia, rekomendasi mencakup uji coba program, desain produk sesuai budaya, dan mitigasi risiko. Skema ini berpotensi meningkatkan kesejahteraan lansia secara berkelanjutan.
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